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saving any more! What do you mean, Rosie? What's happened?"

      She could feel his kind jolly eyes looking at her through the dark but she knew that he could not see the tears which suddenly filled her own.

      "N-nothing," she quavered.

      "Rosie! Tell me!" He put his arm about her shoulder and drew her to him. At the tenderness in his voice and touch, all the sense of outrage and loss in Rosie's heart welled up afresh and broke in sobs which she could not control.

      "I wasn't going to tell you, Jarge, honest I wasn't, because you're dead gone on her and, besides, she's my own sister."

      For a few seconds Rosie could say no more and George, with a sudden tightening of the arm that encircled her, waited in silence.

      "I – I was going up to count my money, Jarge, and what do you think? Some one had smashed open the bank and taken every cent! I tell you there wasn't even one cent left! And, Jarge, I've been saving so hard – you know I have!" She lay on his shoulder, her body shaking with sobs.

      George spoke with an effort: "Why do you think it was Ellen?"

      "Terry and me got it out o' ma. When we cornered her she told us… And she's gone and spent it on a bunch of curls! Think of that, Jarge – curls for her hair! Just because Hattie Graydon's got false curls, Ellen's got to have them, too! Now do you call that fair? I saved awful hard for that money, you know I did, and it was my own!"

      George sighed. "Poor kiddo! Of course it was your own! But Ellen'll pay you back, I – I'm sure she will."

      "That's what ma says. But, Jarge, even if she does, it won't be the same thing. Just tell me how you'd feel yourself if all your savings were snatched away from you!"

      George's answer was unexpected. "They have been, Rosie, a good many times."

      "What!" Rosie sat up in fright and astonishment. "Has she dared to go and break into your trunk?"

      George laughed weakly. "No, Rosie, it ain't Ellen this time." He paused a moment. "I've told you about my father's farm. It's a good farm and I'd rather live on it and work it than do anything else on earth. But it's got run down, Rosie. The old man's had a mighty long spell of unluck. A few years ago he got a little mortgage piled up on it and for nearly two years now he hasn't kept it up like he ought to. In the country you've got to have ready money to wipe out mortgages and to start things goin' right. That's why I'm here in town railroading and that's why I'm saving every cent until people think I'm a tightwad."

      "But, Jarge, how did they get it away from you so many times?"

      "Well, just to show you: Two years ago one of the barns burned down. That cost me two hundred dollars. Last summer we lost a couple of our best cows worth sixty dollars apiece. This winter the old man was laid up with rheumatiz a couple o' months and it cost me a dollar a day to get the chores done, let alone the doctor bill. And each time I was just about ready to blow my job here and hike for home. I thought sure I'd be doing my own plowing this spring."

      Weariness and discouragement sounded in his voice and Rosie, forgetting her own troubles, slipped her arms about his neck.

      "I'm awful sorry, Jarge. Maybe if nothing happens this summer you'll be able to go back in the fall."

      George shook himself doggedly. "Oh, I'll get there some time! I cleaned up the mortgage the first year I was here and now I'm working to pile up five hundred in the bank before I go. I'm getting there, too, but I hope to God I won't have any more setbacks!"

      "And if you do, Jarge?.."

      The answer came sharp and quick: "I'll save all the harder!"

      For a few moments both were silent. Then George spoke: "I'm sorry, Rosie, about this thing. I know how you feel. If you want to, after this you may hide your savings in my trunk. I've got two keys and I'll give you one."

      "I – I didn't think I was going to save any more, Jarge."

      "Not save? Of course you're going to save! You've got to save!"

      "Why?"

      "So's to have something to show for your work!"

      "But it takes so awful long, Jarge, and even then maybe you lose it."

      "I know, Rosie, but even so you got to do it. It's only muckers that never save."

      "Why, Jarge!"

      "Sure, Rosie. Only muckers. They blow in every cent they get as soon as they make it or before. That's why they can afford to go off on drunks and holler around and smash things up. They ain't got nuthin' to lose no matter what they do. Oh, I tell you, Rosie, just show me a loud-mouthed mucker and I'll show you a fellow that don't know the first thing about saving!"

      "Really, Jarge?"

      "Yes, really. And the same way, take decent hard-working people and what do you find? As sure as you're alive, you'll find them saving every cent to put the children through school, or pay for their home, or take care of the old folks. I tell you, Rosie, you got to save if ever you get anywhere in this world!"

      "But, Jarge, I – I think I just got to go to that Dog Show now."

      George laughed and gave her a little hug. "All right, kiddo. Here's the quarter. Have a good time and tell me about it afterwards. Next week, you know, you can begin saving in earnest. My trunk – "

      "Please, Jarge," Rosie begged, "don't make me promise. Give me a week to think about it."

      "Of course you can have a week to think about it." They were standing up now, ready to go into the house. "But I know all right what you'll decide."

      "How do you know?"

      George stooped and gave her a hearty country kiss, smack on the mouth. "Because I know there's nothing of the mucker about Rosie O'Brien!"

      And Rosie, as she slipped upstairs, tying the quarter in the corner of her handkerchief, suddenly realized that she was no longer unhappy. How could any one be unhappy who had a friend as good and as kind as George Riley? And, in addition to him, she had nice old Terry – hadn't he given her a nickel and been sorry it wasn't a quarter? – and dear little Jackie and the faithful Janet and poor old Danny Agin, too! Thank goodness, neither Ellen nor any one else could steal them away from her!

      CHAPTER VI

      JACKIE

      In declaring that Ellen would repay the money she had taken from Rosie's bank, Mrs. O'Brien had spoken in all sincerity. She was perfectly convinced in her own mind that every one of her children would always do exactly as he should do. She was willing to acknowledge that the poor dears might occasionally make mistakes, but such mistakes, she was certain, were mistakes of judgment, not of principle. Give them time, she begged, and in the end they would do the right thing. She'd stake her word on that!

      Ellen's own attitude was one of annoyance, not to say resentment, that she had been forced to raise money for the curls in so troublesome a manner. Rosie's reproachful glances and Terry's revilings irritated but in no way touched her. In fact, she seemed to think that, in appropriating Rosie's savings, she had been acting entirely within her rights. She would never have been guilty of touching anything belonging to an outsider but, like many selfish people, she had as little respect for the property of the members of her own immediate family as she had for their feelings. It was quite as though she conscientiously believed that the rest of the O'Briens had been placed in this world for the sole purpose of adding to her comfort and convenience. It always surprised her, often it bored her, sometimes it even grieved her that they did not share this view. It seemed to her nothing less than stupidity on their part not to.

      So, despite her mother's promises, despite George Riley's hopes, Rosie knew perfectly well that her savings would never be refunded. They were gone and that was to be the end of them. Thanks to kind George Riley, Rosie had weathered the first storm of disappointment and had learned that, notwithstanding a selfish unscrupulous sister, life was still worth living. Neither then nor later did she definitely forgive Ellen the theft – how could she forgive when Ellen, apparently, was conscious of no guilt? – but she tried resolutely not to spend her time in vain regrets and useless complainings. The days passed and life, like the great

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